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All Journal Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman ProBisnis : Jurnal Manajemen Jurnal Pengabdian Masyarakat Gemilang (JPMG) Journal of Innovative and Creativity Jurnal Cendekia Ilmiah
Daulay, Safrul
Universitas Al Washliyah Medan
Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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 1 
The Implementation Of the Contract Financing Sharia Card PT. Bank Danamon of the Lawof h is Reviewed From the Perspective of Fiqh Muamalah Aliman Syahuri Zein; Safrul Daulay
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.4761

Abstract

Abstract Research this aims to know the implementation of the contract financing sharia card on PT. Bank Danamon Syariah if viewed from the perspective of fiqh muamalah. The research is concluded that: 1) Dirham Card launched by referring to the National Sharia Board fatwa Majelis Ulama Indonesia (DSN-MUI) No. 54/DSN-MUI/IX/2006 and a Letter Circular of Bank Indonesia No. 9/183/DPbS/2007 on the approval of Danamon Syariah Card. 2) in the implementation Dirham card using akad Ijarah, so that the holder of the card charged membership fees (the cost of membership); akad Kafalah, cause the issuer of the card can receive a fee (ujrah kafalah); and the contract of Qard, cause the holder of the card is obliged to return by the amount of funds withdrawn in time. 3), some of the provisions about the fee that is required for prospective holder Dirham card, namely the determination of the amounts of the fines and the presence of kvisions and btops (Dhawabith wa hudud). 4), there are some provisions fikih muamalah are not yet clear on the application Dirham Card, namely: (a) the presence of inconsistency in the use of the term on the fatwa of Islamic Card, the term that is used is the contract of Qard but on the provisions of the merchant fee , there are ujrah billing or tahsil al-dayn, on one side using the term Qard, while here. other uses of the term dayn; (b) card credit sharia there is no system of control which can make sure whether the holder of the card using the card 's credit to spend your items are halal course or vice versa; (c) card credit sharia ideally should be able to ensure users do not Israaf (consumptive/excessive), while in the side of another card credit tend to make the holder to be consumptive. In case this is clearly contrary to the principles of shariah; (d) the presence of charge i.e. late charge/fine and there ta'wid (replace loss) which is caused because of a delay in payment. It is certainly going to bring up the question of whether differences in the underlying fine in Sharia Card and Card Credit Conventional.
The Influence of Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Operating Costs to Operating Income (BOPO) on Liquidity as Measured by Loan to Deposit Ratio at Bank Rakyat Indonesia Tbk Safrul Daulay; Amir Makhmud Zain; Linda Setiana
ProBisnis : Jurnal Manajemen Vol. 11 No. 2 (2020): October: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62398/probis.v11i2.64

Abstract

The purpose of this research is to analyze and test the effect of CAR, NPL, BOPO on the LDR of PT. Bank Rakyat Indonesia Tbk. This type of research is explanatory research. The sample used in this research is PT. Bank Rakyat Indonesia Tbk which published its financial statements for the period 2006-2013. Data collection techniques are library research and field research. This study uses descriptive analysis, classical assumption test and multiple linear regression for data analysis with the help of the Eviews 8 program. From the analysis test results it is known that the CAR, BOPO and NPL ratios have an effect on the LDR ratio during the 2006-2013 period
The Influence of Capital Adequacy Ratio (CAR), Non performing Loans (NPL), Operating Costs to Operating Income (BOPO) on Liquidity as Measured by Loan to Deposit Ratio at Bank Tabungan Negara Indonesia Tbk Safrul Daulay; Winda Wardhani; Kasmidar
ProBisnis : Jurnal Manajemen Vol. 12 No. 1 (2021): April: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62398/probis.v12i1.68

Abstract

The purpose of this research is to analyze and test the effect of CAR, NPL, BOPO on the LDR of PT. State Savings Bank of Indonesia Tbk. This type of research is explanatory research. The sample used in this research is PT. Bank Tabungan Negara Indonesia Tbk which published its financial statements for the period 2006-2013. Data collection techniques are library research and field research. This study uses descriptive analysis, classical assumption test and multiple linear regression for data analysis with the help of the Eviews 8 program. From the analysis test results it is known that the CAR, BOPO and NPL ratios have no effect on the LDR ratio during the 2006-2013 period
The Implementation Of the Contract Financing Sharia Card PT. Bank Danamon of the Lawof h is Reviewed From the Perspective of Fiqh Muamalah Aliman Syahuri Zein; Safrul Daulay
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.8825

Abstract

Research this aims to know the implementation of the contract financing sharia card on PT. Bank Danamon Syariah if viewed from the perspective of fiqh muamalah. The research is concluded that: 1) Dirham Card launched by referring to the National Sharia Board fatwa Majelis Ulama Indonesia (DSN-MUI) No. 54/DSN-MUI/IX/2006 and a Letter Circular of Bank Indonesia No. 9/183/DPbS/2007 on the approval of Danamon Syariah Card. 2) in the implementation Dirham card using akad Ijarah, so that the holder of the card charged membership fees (the cost of membership); akad Kafalah, cause the issuer of the card can receive a fee (ujrah kafalah); and the contract of Qard, cause the holder of the card is obliged to return by the amount of funds withdrawn in time. 3), some of the provisions about the fee that is required for prospective holder Dirham card, namely the determination of the amounts of the fines and the presence of kvisions and btops (Dhawabith wa hudud). 4), there are some provisions fikih muamalah are not yet clear on the application Dirham Card, namely: (a) the presence of inconsistency in the use of the term on the fatwa of Islamic Card, the term that is used is the contract of Qard but on the provisions of the merchant fee , there are ujrah billing or tahsil al-dayn, on one side using the term Qard, while here. other uses of the term dayn; (b) card credit sharia there is no system of control which can make sure whether the holder of the card using the card 's credit to spend your items are halal course or vice versa; (c) card credit sharia ideally should be able to ensure users do not Israaf (consumptive/excessive), while in the side of another card credit tend to make the holder to be consumptive. In case this is clearly contrary to the principles of shariah; (d) the presence of charge i.e. late charge/fine and there ta'wid (replace loss) which is caused because of a delay in payment. It is certainly going to bring up the question of whether differences in the underlying fine in Sharia Card and Card Credit Conventional
Marketing Digital Dan Manfaatnya Bagi Pengembangan Usaha Mandiri Kripik Singkong Di MTs EXPGA Zain Nst, Amir Makhmud; Daulay, Safrul; Hasibuan, Elwardi; Aldoni, Kelvin
Jurnal Pengabdian Masyarakat Gemilang (JPMG) Vol. 2 No. 4: September 2022
Publisher : HIMPUNAN DOSEN GEMILANG INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58369/jpmg.v2i4.91

Abstract

Tentu semua orang akan selalu dihadapkan pada situasi yang tidak pasti, terutama dalam kondisi pandemi Covid-19. Ketidakpastian ini semakin terlihat dinamis kearah yang negatif. Banyak kondisi ketidakpastian yang dihadapi masyarakat dalam situasi pandemi Covid-19, baik ketidakpastian politik, keberlanjutan kerja, pendidikan anak, bahkan soal keselamatan diri terhadap penyebaran Covid-19 yang semakin luas. Para profesional dalam memperkirakan dan mengantisipasi masa mendatang, sering melakukannya dengan prakiraan (forecasting), berdasarkan data waktu-ke-waktu (time-series) sebelumnya. Namun itu terbatas pada aspek-aspek yang kejadianya berpola dan bersifat kuantitatif. Metode yang digunakan dalam kegiatan Pengabdian Kepada Masyarakat di Taman Bacaan Perigi adalah menyusun skenario dengan 8 langkah yang dinamis dengan menggunakan slide powerpoint.
Sosialisasi Penerapan Digital Marketing Pada Strategi Pemasaran Untuk Meningkatkan Penjualan Pada UMKM Di Desa Karya Maju , Kecamatan Tanjung Pura, Langkat Elwardi Hasibuan; Daulay, Safrul; Zain Nst, Amir Makhmud; Annisa, Putri
Jurnal Pengabdian Masyarakat Gemilang (JPMG) Vol. 2 No. 4: September 2022
Publisher : HIMPUNAN DOSEN GEMILANG INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58369/jpmg.v2i4.92

Abstract

Pandemi Covid-19 sudah berlangsung selama 1 tahun dan sudah pasti banyak aspek kehidupan masyarakat yang sangat berdampak terutama bagi perkembangan bisnis. Wirausahawan yang bergerak dalam bidang UMKM merupakan salah satu yang sangat terdampak oleh pandemi ini. Bukan lagi berfikir untuk ekspansi usaha mereka, namun untuk mempertahankan usaha tersebut pun terasa sulit. Tidak sedikit pelaku UMKM yang akhirnya gulung tikar karena sudah tidak sanggup lagi menjalankan usahanya akibat merugi dalam waktu yang cukup panjang selama masa pandemi ini. Salah satu upaya yang dapat dilakukan guna mencegah bergugurannya usaha UMKM adalah dengan memberikan edukasi dan sosialisasi mengenai strategi untuk dapat meningkatkan omzet atau penjualan. Salah satu strategi yang dapat digunakan adalah melalui digital marketing yang dapat dilakukan secara mudah, murah, efektif dan juga efisien. Digital marketing sendiri merupakan suatu strategi untuk mempromosikan produk melalui laman media sosial, website, blog dan lain sebagainya yang menggunakan jaringan internet. Tim PKM memilih strategi ini karena dirasa strategi ini sangat cocok digunakan dimasa di mana masyarakat harus stay at home dan banyak menggunakan gadget untuk mengakses informasi. Dengan memanfaatkan peluang yang ada, maka digital marketing dirasa akan sangat membantu para wirausahawan untuk mempertahankan usaha dan meningkatkan penjualan mereka.
Pengaruh Disiplin Kerja Dan Pengawasan Terhadap Kinerja Pegawai Di Kantor Camat Kualuh Hilir Sitorus, Gadis Yuliana Dewi; Yuni Andri Ekawati; Safrul Daulay
J-CEKI : Jurnal Cendekia Ilmiah Vol. 5 No. 1: Desember 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v5i1.12216

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh disiplin kerja dan pengawasan, baik secara parsial maupun simultan, terhadap kinerja pegawai di Kantor Camat Kualuh Hilir serta seberapa besar pengaruhnya. Metode penelitian yang digunakan adalah kuantitatif dengan uji reliabilitas, uji asumsi klasik, dan analisis regresi linier berganda menggunakan data primer yang diolah melalui SPSS 26. Hasil penelitian menunjukkan persamaan regresi Y = 7,373 + 0,448X1 + 0,357X2 + e. Secara parsial, disiplin kerja (X1) berpengaruh signifikan terhadap kinerja pegawai (t hitung 3,525 > t tabel 2,045), demikian juga pengawasan (X2) berpengaruh signifikan terhadap kinerja pegawai (t hitung 2,968 > t tabel 2,045). Secara simultan, disiplin kerja dan pengawasan berpengaruh signifikan terhadap kinerja pegawai (F hitung 19,950 > F tabel 3,33), dengan kontribusi pengaruh sebesar 57,9%, sedangkan 42,1% dipengaruhi variabel lain yang tidak diteliti. Penelitian ini menyarankan pimpinan Kantor Camat Kualuh Hilir untuk meningkatkan kinerja pegawai dengan menegakkan disiplin, seperti ketepatan waktu hadir dan penyelesaian tugas, serta memperkuat pengawasan dengan keputusan tegas terhadap pegawai yang melalaikan tanggung jawabnya agar setiap kegiatan berjalan efektif dalam meningkatkan kinerja.
Pengaruh Kualitas Pelayanan dan Fasilitas terhadap Kepuasan Penumpang di PT. Kereta Api Indonesia (Persero) Divre I Sumatera Utara Abdul Qosim Harahap; Winda Wardhani; Safrul Daulay
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.7416

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas pelayanan dan fasilitas terhadap kepuasan penumpang pada PT. Kereta Api Indonesia (Persero) Divre I Sumatera Utara. Jenis penelitian yang digunakan adalah kuantitatif dengan metode survei, di mana data diperoleh melalui penyebaran kuesioner kepada 99 responden penumpang kereta api. Variabel independen dalam penelitian ini adalah kualitas pelayanan (X₁) dan fasilitas (X₂), sedangkan variabel dependennya adalah kepuasan penumpang (Y). Analisis data dilakukan dengan uji validitas, reliabilitas, uji asumsi klasik, serta regresi linier berganda menggunakan SPSS. Hasil penelitian menunjukkan bahwa secara parsial, kualitas pelayanan tidak berpengaruh signifikan terhadap kepuasan penumpang (sig. = 0,307 > 0,05). Sebaliknya, fasilitas berpengaruh positif dan signifikan terhadap kepuasan penumpang (sig. = 0,007 < 0,05). Secara simultan, kedua variabel independen berpengaruh signifikan terhadap kepuasan penumpang dengan nilai F hitung = 5,636 dan sig. = 0,005. Nilai koefisien determinasi (Adjusted R²) sebesar 0,086, yang berarti variabel kualitas pelayanan dan fasilitas mampu menjelaskan 8,6% variasi kepuasan penumpang, sedangkan sisanya 91,4% dipengaruhi oleh faktor lain di luar penelitian ini..
Co-Authors Abdul Qosim Harahap Aldoni, Kelvin Amir Makhmud Zain Nasution, Amir Makhmud Annisa, Putri Elwardi Hasibuan, Elwardi Kasmidar Linda Setiana Sitorus, Gadis Yuliana Dewi Winda Wardhani Winda Wardhani Yuni Andri Ekawati Zein, Aliman Syahuri